Kristo Käärmann



Kristo Käärmann
Co-founder, TransferWise

Kristo Kaarmann is the co-founder of TransferWise, the international money transfer platform. TransferWise helps customers send money abroad at a lower cost than ever before. It uses technology to cut out all the hidden fees banks and brokers charge. The platform is growing fast: its customers have already used it to move over £1bn, and its attracted $33m from investors such Sir Richard Branson, Peter Thiel and Max Levchin, the co-founders of PayPal.

Prior to starting TransferWise, Kristo was a management consultant with Deloitte Consulting and PricewaterhouseCoopers. He worked with European banks and insurers to modernise their processes and systems. Stunned by their inefficiency, he teamed up with Taavet Hinrikus, then Skype's director of strategy, to develop an entirely new system for moving money across borders.  At TransferWise, Kristo is in charge of operations, development, and compliance.

Speaking History

Keynote Speaker at Money20/20 Europe 2016

Speaker at Money20/20 Las Vegas 2014

Speaker at Money20/20 Las Vegas 2013

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